Flood Insurance | Heartland Disaster Help

Overview

Floods can be incredibly unpredictable, and they don’t discriminate between renters and homeowners. That’s why we’ve put together a comprehensive guide for you. Here, you’ll learn more about flood insurance coverage and how to find it. We even give you tips on the questions to ask your insurance broker. So, if you want to protect your belongings and your peace of mind, this guide is your roadmap. Don’t wait for the unexpected to happen; get informed and stay prepared.

Flood Insurance 101

While property insurance typically covers many types of property damage, it often excludes coverage for flood-related losses. This is where flood insurance comes into play.

Renters’ Guide To Flood Insurance

Renters or homeowners insurance usually does not help pay for damage from flooding. For protection from flood damage, you must buy flood insurance separately.

Homeowners’ Guide To Flood Insurance

As a homeowner, you will buy flood insurance for two separate things — building coverage and contents coverage. Ask your insurance agent to tell you everything that is covered.